(a) There shall be no liability under sections 253 and 254 of this title if:
(1) Both parties to the contract have performed their obligations under the contract.
(2) The creditor, seller, insurer, or lessor attempts in good faith to comply with this chapter in preparing the consumer contract. Use of a model “plain language” form from a state or federal agency, Commission on Uniform Laws, or National Trade Association shall be prima facie evidence of good faith.
(3) The contract is in conformity with a rule, regulation, or the opinion or interpretation of a territorial official authorized by this chapter to issue approvals of the form of the contract.
(4) The consumer supplied the contract or the portion of the contract to which the consumer objects.
(b) The use of specific language in a consumer contract required, permitted or approved by a law, regulation, rule or published interpretation of a territorial or federal agency shall not violate this chapter.